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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,798 | $81,208-15.3% | $98,920-30.5% | $79,856-13.8% |
| Participation rate | 64.5% | 72.5%-8.0pp | 76.0%-11.5pp | 69.6%-5.1pp |
| Annual return | 8.69% | 60.99%-52.3pp | 196.47%-187.8pp | 31.71%-23.0pp |
| Employer contribution / active EE | $592 | $1,960-69.8% | $2,689-78.0% | $2,471-76.0% |
| Participant deferral / active EE | $2,260 | $3,265-30.8% | $4,245-46.8% | $3,741-39.6% |
| Admin fee / account holder | $1,032 | $6,013-82.8% | $6,643-84.5% | $5,306-80.5% |